Personal finance business does not include investment consultants.

No, the types of personal financial services do not include: cash management services.

I. Analysis

Personal financial management business, also known as wealth management business, is an activity of professional services such as financial analysis, financial planning, investment consultancy and asset management provided by commercial banks for individual customers. This is an important source of profit for commercial banks in developed countries.

Second, the definition of personal finance business

Personal financial management business, also known as wealth management business, is one of the important profit sources of commercial banks in developed countries. Mature financial services in the world refer to a series of service processes in which banks use the customer information and financial products they have, analyze customers' own financial situation, formulate customers' financial goals and plans by understanding and exploring customers' needs, and help them choose financial products to achieve their financial goals.

Types of financial management:

1. Deposit:

Deposit is the most traditional financial management. As we all know, financial management is usually three months, six months and one year.

2. Bank wealth management products:

Bank wealth management products launched by banks in recent years have attracted much attention, with a minimum deposit of 50,000 yuan. As long as it can be redeemed at will between 9: 00 a.m. and 3: 00 p.m., the income is 6 to 65,438+00 times that of the current period, and it usually exceeds the one-year fixed interest rate for more than 29 days.

3. Insurance:

Many families are old and young, but they don't know the basics and skills of financial investment. It's hard to take care of everyone. So insurance has become an umbrella for many families. In the case that the elderly can take care of themselves and the children are young or spend little, parents can buy a medical insurance and children an education savings insurance.

4. Trust financing:

The minimum capital threshold is 654.38+100,000 yuan, but the income is higher, usually above 9%, and even the highest annual income of some investment projects can reach 15%.

5. Fund:

The fixed investment of the fund is more suitable for working-class time deposits, and the income is higher than that of bank deposits, which has a certain supervisory role, but the fund is more suitable for long-term holding and accumulating capital.